Call reports 2005
MAINSTREET BANK — 2005
What MAINSTREET BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,069,000 | 60,547,000 | 75,497,000 | 83,833,000 |
| Total loans | 26,243,000 | 31,962,000 | 49,427,000 | 54,535,000 |
| Allowance for loan losses | 330,000 | 365,000 | 620,000 | 694,000 |
| Securities available for sale | 25,016,000 | 21,078,000 | 18,621,000 | 21,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,156,000 | 44,747,000 | 47,891,000 | 55,559,000 |
| Interest-bearing deposits | 31,288,000 | 36,374,000 | 38,215,000 | 46,594,000 |
| Noninterest-bearing deposits | 7,868,000 | 8,373,000 | 9,676,000 | 8,965,000 |
| Equity capital | 10,645,000 | 10,581,000 | 22,308,000 | 22,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 600,000 | 1,354,000 | 2,344,000 | 3,681,000 |
| Interest expense | 231,000 | 557,000 | 916,000 | 1,398,000 |
| Net interest income | 369,000 | 797,000 | 1,428,000 | 2,283,000 |
| Noninterest income | 7,000 | 22,000 | 47,000 | 60,000 |
| Noninterest expense | 605,000 | 1,225,000 | 1,920,000 | 2,740,000 |
| Provision for loan losses | 45,000 | 80,000 | 335,000 | 409,000 |
| Pretax income | -274,000 | -485,000 | -779,000 | -805,000 |
| Income tax | -93,000 | -165,000 | -265,000 | -274,000 |
| Net income | -181,000 | -320,000 | -514,000 | -531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,136,000 | 10,745,000 | 22,490,000 | 22,462,000 |
| Total capital | 10,466,000 | 11,110,000 | 23,110,000 | 23,156,000 |
| Risk-weighted assets | 32,618,000 | 40,431,000 | 61,370,000 | 65,333,000 |